Don,
Our deductible for EVERYTHING is $1000.00. Yes, I can and most likely WILL change it in the near future but, the crack/chip has already been reported to the insurance and is logged in, so, they have it on record and, have issued us options for places to get it replaced with the PRESENT deductible. There is no way around that deductible.
It appears that based on the answers given here on this post, that insurance companies operate differently all over the U.S. As far as State Farm, with us, Comprehensive, is comprehensive, period. There is no special rider, or sub policy for "Glass or Windshield only". It doesn't matter if you destroy the rear bumper or the front windshield, it's still comprehensive. If many of you folk's insurance companies "segregate" portions of the coach/cars etc with different deductibles, well you've got it nice but, ours doesn't do that.
It won't do us any good to try and change deductible amount right now to try and get this particular fix to come in at a lower amount, it's already documented. Yes, a $1000.00 replacement cost, out of pocket, for a single side of a front windshield is a hard hit for us and, we accept that by paying lower premiums. It surely doesn't mean we like it but, we accept it. To us, insurance is basically to protect us from the other guy and, after the $1000.00 deductible is reached, then they take over.
I'm not sure 'cause the wife takes care of all the billing but, it's my assumption that we save around $250-$300 a year by paying lower premiums and, having that high deductible. Well, over the years, that amounts to a few thousand in savings. It just stings us a bit when something like this windshield replacement hit. We've not put in a claim for as long as I can remember.
So, for the time being, the crack has been semi-fixed (stopped and sealed) so, when the time comes, the deductible will be changed, and if, we recieve another chip in the same windshield, we'll deal with it then. Thanks for the help.
Scott
Scott and Karla San Diego Fire Department RETIRED
2004 Itasca Horizon, 36GD Slate Blue 330 CAT
2011 White Honda CRV EX-L,4WD w/NAV Toad 2008 Caliente Red LVL II GL 1800 Goldwing KI60ND
For the life of me.. I can't figure out why the windshields are so huge on most units. I really don't think they need to be so big as many I've talked to about this agree.
2005 Newmar 34' Kountry Star, 8.1L W22, Blue Ox 10K, Honda Pilot, Bijon Shitzu (Sassy) dash dog, Two teenage boys..we get around ! Nine Provinces, Two Territories, 47 States, Northern Mexico... so far..
PF&PM wrote: For the life of me.. I can't figure out why the windshields are so huge on most units. I really don't think they need to be so big as many I've talked to about this agree.
I'm with you. No need for so much glass. I would say about 1/3 of my windshield is hidden by the TV/cabinets. I think they do it because it looks better from the outside. From the inside, I could care less.
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